Bay County / Florida Housing Finance Corporation
State Housing Initiatives Partnership (SHIP) program provides forgivable loans to low- and moderate-income homeowners for essential home repairs and rehabilitation. Loan is forgiven after 15 years of owner-occupancy.
Forgivable loan covering major home repairs, forgiven after 15 years of owner-occupancy
Data last verified 2026-06-09. How we verify our data.
A grant-savvy contractor in Panama City Beach, FL can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.
You will likely need a contractor to apply
Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Panama City Beach early keeps your application moving.
Get matched with a contractorThis program is usually a forgivable loan: you owe nothing if you stay in the home for the set period, but it may place a lien on the property until then.
Each program sets its own contractor rules. Check the official program page for exact requirements.
Deadline: Applications accepted year-round, subject to funding
Ask us. It is free, and a real person answers within a business day.
Email us about this programGrant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.
Rebates and discounts that stack on top of any grant. Most are free to use.
This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.
See All Programs